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Monthly housing costs
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Post new topic   Reply to topic    Downsizer Forum Index -> Finance and Property

How much a month is your rent/mortgage
Less than £100
21%
 21%  [ 13 ]
Less than £200
8%
 8%  [ 5 ]
Less than £400
18%
 18%  [ 11 ]
Less than £600
21%
 21%  [ 13 ]
Less than £800
11%
 11%  [ 7 ]
Less than £1000
5%
 5%  [ 3 ]
Yikes
13%
 13%  [ 8 ]
Total Votes : 60

Author 
 Message
chez



Joined: 13 Aug 2006
Posts: 35934
Location: The Hive of the Uberbee, Quantock Hills, Somerset
PostPosted: Sun Jun 24, 12 4:34 pm    Post subject: Reply with quote
    

You are Dr Strangelove and I claim my five pounds.

Mr O



Joined: 13 Feb 2005
Posts: 5512
Location: Nova Scotia, Canada
PostPosted: Sun Jun 24, 12 4:34 pm    Post subject: Reply with quote
    

No need to worry about it too much. Afterall they can live in tents and eat cake.

Penny Outskirts



Joined: 18 Sep 2005
Posts: 23385
Location: Planet, not on the....
PostPosted: Sun Jun 24, 12 4:45 pm    Post subject: Reply with quote
    

Mr O wrote:
No need to worry about it too much. Afterall they can live in tents and eat cake.


I'd quite like to live in a tent and eat cake

Bebo



Joined: 21 May 2007
Posts: 12590
Location: East Sussex
PostPosted: Sun Jun 24, 12 4:50 pm    Post subject: Reply with quote
    

toggle wrote:
Bebo wrote:
jema wrote:
For that you require a Country with a social conscience, one that thinks decent housing at a decent rent is worth a sacrifice.


You mean like the UK was in the late 40's and 50's?


only need to look at things like the hitory of the squatting movements to know that there wasn't available and affordable housing then.


But there was a move towards the govt building low cost decent quality housing. Re: the post-war slum clearances and new town movement. In many ways not a good thing (breaking down communities for example) but it did seriously raise the quality of housing that many people were living in.

Nick



Joined: 02 Nov 2004
Posts: 34535
Location: Hereford
PostPosted: Sun Jun 24, 12 5:56 pm    Post subject: Reply with quote
    

Bebo wrote:
jema wrote:
For that you require a Country with a social conscience, one that thinks decent housing at a decent rent is worth a sacrifice.


You mean like the UK was in the late 40's and 50's?


Right, so how do we engineer a situation where an economically collapsing Europe gives rise to a dominant German aggressor state riding rough shod over smaller nations, with only plucky Brits turning up to save the day (after the Italians, Spanish, French and Greeks give up)?

Hey, hang on a moment...

Katieowl



Joined: 01 Jun 2006
Posts: 4317
Location: West Wales
PostPosted: Sun Jun 24, 12 7:54 pm    Post subject: Reply with quote
    


Mr O



Joined: 13 Feb 2005
Posts: 5512
Location: Nova Scotia, Canada
PostPosted: Sun Jun 24, 12 8:00 pm    Post subject: Reply with quote
    

Nick wrote:
Bebo wrote:
jema wrote:
For that you require a Country with a social conscience, one that thinks decent housing at a decent rent is worth a sacrifice.


You mean like the UK was in the late 40's and 50's?


Right, so how do we engineer a situation where an economically collapsing Europe gives rise to a dominant German aggressor state riding rough shod over smaller nations, with only plucky Brits turning up to save the day (after the Italians, Spanish, French and Greeks give up)?

Hey, hang on a moment...


Well you would need the Canadians, the Aussies, the New Zealanders, and the Gurkas to join in.

Nick



Joined: 02 Nov 2004
Posts: 34535
Location: Hereford
PostPosted: Sun Jun 24, 12 8:16 pm    Post subject: Reply with quote
    

You free?

Shan



Joined: 13 Jan 2009
Posts: 9075
Location: South Wales
PostPosted: Tue Jun 26, 12 7:23 am    Post subject: Reply with quote
    

I think people are confusing a few issues here. The term 'housing shortage' is spouted about quite often but is there REALLY a housing shortage or is it more of a case of there not being lots of cheap desirable housing to buy? The simple fact is that people want to own housing, whether realistic or not. Rentals are freely available - so is there really a shortage of housing or merely a shortage of people getting what they want?

PS I do rent and it is in the eye watering category BUT it is a damn sight cheaper than purchasing the same type of property because the rent would not even cover the interest portion of a mortgage with current valuations.

chez



Joined: 13 Aug 2006
Posts: 35934
Location: The Hive of the Uberbee, Quantock Hills, Somerset
PostPosted: Tue Jun 26, 12 1:17 pm    Post subject: Reply with quote
    

Shan wrote:
I think people are confusing a few issues here. The term 'housing shortage' is spouted about quite often but is there REALLY a housing shortage or is it more of a case of there not being lots of cheap desirable housing to buy? The simple fact is that people want to own housing, whether realistic or not. Rentals are freely available - so is there really a shortage of housing or merely a shortage of people getting what they want?

PS I do rent and it is in the eye watering category BUT it is a damn sight cheaper than purchasing the same type of property because the rent would not even cover the interest portion of a mortgage with current valuations.


Yes, you're definitely right re bang-for-buck regarding purchase versus renting. We are renting a fantastic house, a bungalow with a large flat garden that is suitable for Nenna's mobility issues; but we would not be able to afford it without the substantial housing benefit that we receive - which is also weighted favourably because we have a disabled child.

I think that a lot of even crummy rentals are expensive, though - I was speaking to a friend who is a nursery worker yesterday and she's about to be made homeless - her landlord wants to sell her house. She's in a cleft stick because to get a council property - she is a single parent with three children - they need her to pretty much be sleeping on the street before they can be offered 'emergency accommodation'. That is B&B, twenty miles from the town that the children are at school at and where she works. The council say she needs a four bedroom house - because of the age of the kids, apparently - and won't offer her anything less. And her credit rating is not fantastic, so is apprehensive about approaching private landlords. She says that she would make do with a two bedroom house if they had to, so long as she had somewhere to live - but it's finding somewhere within her price bracket.

I think there are a lot of people in that situation.

Down here it's difficult as well because the holiday let business is lucrative - that drives the prices up.

ETA: I guess, it's still a housing shortage, even if it's an 'affordable' housing shortage.

vegplot



Joined: 19 Apr 2007
Posts: 21301
Location: Bethesda, Gwynedd
PostPosted: Tue Jun 26, 12 1:36 pm    Post subject: Reply with quote
    

M-J on a mission would go a long to helping solve the housing issue.

Nick



Joined: 02 Nov 2004
Posts: 34535
Location: Hereford
PostPosted: Tue Jun 26, 12 1:37 pm    Post subject: Reply with quote
    

A cull of the grammatical sinners?

vegplot



Joined: 19 Apr 2007
Posts: 21301
Location: Bethesda, Gwynedd
PostPosted: Tue Jun 26, 12 1:51 pm    Post subject: Reply with quote
    

A greater % yield than the Black Death, Cholera, Typhoid, Darwinawardism, and Spanish flu combined.

Shan



Joined: 13 Jan 2009
Posts: 9075
Location: South Wales
PostPosted: Tue Jun 26, 12 5:44 pm    Post subject: Reply with quote
    

Chez wrote:
Shan wrote:
I think people are confusing a few issues here. The term 'housing shortage' is spouted about quite often but is there REALLY a housing shortage or is it more of a case of there not being lots of cheap desirable housing to buy? The simple fact is that people want to own housing, whether realistic or not. Rentals are freely available - so is there really a shortage of housing or merely a shortage of people getting what they want?

PS I do rent and it is in the eye watering category BUT it is a damn sight cheaper than purchasing the same type of property because the rent would not even cover the interest portion of a mortgage with current valuations.


Yes, you're definitely right re bang-for-buck regarding purchase versus renting. We are renting a fantastic house, a bungalow with a large flat garden that is suitable for Nenna's mobility issues; but we would not be able to afford it without the substantial housing benefit that we receive - which is also weighted favourably because we have a disabled child.

I think that a lot of even crummy rentals are expensive, though - I was speaking to a friend who is a nursery worker yesterday and she's about to be made homeless - her landlord wants to sell her house. She's in a cleft stick because to get a council property - she is a single parent with three children - they need her to pretty much be sleeping on the street before they can be offered 'emergency accommodation'. That is B&B, twenty miles from the town that the children are at school at and where she works. The council say she needs a four bedroom house - because of the age of the kids, apparently - and won't offer her anything less. And her credit rating is not fantastic, so is apprehensive about approaching private landlords. She says that she would make do with a two bedroom house if they had to, so long as she had somewhere to live - but it's finding somewhere within her price bracket.

I think there are a lot of people in that situation.

Down here it's difficult as well because the holiday let business is lucrative - that drives the prices up.

ETA: I guess, it's still a housing shortage, even if it's an 'affordable' housing shortage.


I wouldn't say there is an affordable housing shortage, perhaps just not what people desire as housing as a shortage. Think about the 1950's. People used to lodge - now they expect to leave University, walk into a plush job and buy a house.

chez



Joined: 13 Aug 2006
Posts: 35934
Location: The Hive of the Uberbee, Quantock Hills, Somerset
PostPosted: Tue Jun 26, 12 5:47 pm    Post subject: Reply with quote
    

Shan wrote:
I wouldn't say there is an affordable housing shortage, perhaps just not what people desire as housing as a shortage. Think about the 1950's. People used to lodge - now they expect to leave University, walk into a plush job and buy a house.


I still did that in the 1990's - and I think there's been a move to facilitate that again with the rent-a-room scheme. My inlaws (may their camels never increase) rent a room out in their house to supplement their income.

I do think that there has been a lot of speculation in the new-build market - blocks of flats in Manchester, for example, that were bought up by investors and simply held, without being let out, until prices rise. I don't know where that stands now.

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